This Privacy Notice contains important privacy information. It forms a part of our Privacy Policy [a copy of which is available at www.ljbank.com, all branch locations or by calling (800) 333-1909.] This Privacy Policy describes how we may deal with nonpublic personal information about you as our customer. If we change our information-sharing practices, we will let you know if this Privacy Notice will change, as required by law. This Notice applies only to individual consumer customers who obtain products or services from us primarily for personal, family, or household purposes.

Information That We Collect


We work to maintain accurate information about customers. We collect nonpublic personal information about you from the following source:

• Information we receive from you on applications or other forms.
• Information about your transactions with us or others.
• Information we receive from a consumer reporting agency or from other third parties.

Information That We Disclose


We may disclose all of the information that we collect, as described above, to the parties and for the reasons below.

A. Parties to Whom We Disclose Information


We only disclose nonpublic personal information about you to nonaffiliated third parties as required by law. For example, we may share information as necessary or usual to service your accounts, process your transactions, respond to lawful subpoenas or communicate with credit bureaus.

B. Disclosures in Joint Servicing Arrangements


We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf.
For example: If you request an ATM card, La Jolla Bank has a vendor that produces card plastics. We provide that vendor with your name and address in order to produce the card and mail the card directly to you.

C. Former Customers


The policies described in this notice will continue to apply to you if you become a former customer.

Confidentiality and Security


We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

About our Web Site and Electronic Customers


We think that electronic delivery of services can be of great benefit to you and we want you to be assured that we are treating your personal information in a professional and confidential manner. Our Web Site utilizes encryption technology to help assure the security of your account and personal information.

The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes – to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services.

Employing stringent security measures in the collection of your personal information, all La Jolla Bank online account applications are submitted to the bank's secure administration site through encrypted direct line to the bank. Once received by the bank, only approved personnel may open and process the application. Furthermore, auditing mechanisms have been put into place to further protect your information by identifying which employee(s) has accessed and in any way modified (for example updated or added to) your personal information.

We do not collect any personal information, including e-mail address, if you are only browsing our Web Site. However, if we ask you to supply us with personal information, and you do so, we may retain that information for certain purposes. For example, we may retain personal information if you:

• Send us an e-mail – to enable us to respond to you
• Respond to online questionnaires or applications
• Request a call, e-mail, or information about our financial products and services